A COMMON SENSE APPROACH

Money management based on the season of your life

Core Holdings

A portion of each of our clients' portfolios are invested in a group of
broadly diversified ETFs that have a long term investment time horizon. The ETFs
are chosen based on each client's goals and risk tolerance and will contain both equity
and fixed income focused funds.

Trend Investments

The economy is understood to operate on a definable business cycle that
progresses through 4 stages; expansion, peak, contraction, and trough.
Different sectors and industries outperform the broad economy at different
stages of the business cycle. We invest a portion of each portfolio in
assets that are selected to take advantage of these trends, which usually
last between 18 and 24 months.

Tactical Selections

Strategic opportunities often arise allowing us to provide additional
value to clients' portfolios by acting more nimbly. Investments in this portion of
the portfolio may include ETFs, stocks, bonds, CDs, or at times of great risk
holding more cash. These selections allows for additional flexibility
in tailoring specific investments to meet our clients' individual needs.